AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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I am 20, with 2 years NCB and 4 points CD10.
I have a 1995 Corsa B SRi with suspension kit, alloys and full system zorst ATM.
Best quote anywhere else is in the region of £1200 - £1300 fully comp.
Rang Liverpool Victoria, gave over basic details (Didint ask when i passed my test/about mods/about points) and said'Do u want the cheapest quote we can offer?'
I said yes and she said £748 fully Comp. I then said the car was modified and she said 'Doesnt Matter', then i said i have points and again she said 'Doesnt Matter'.
I thought that is well strange?? Any advice? Anyone else with them did they care about mods/points?? Thanks guys.
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Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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That is very wierd, it should matter to them for the sake of calculating your quote, also how the hell can they cover mods if they dont want to know about them??
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Tim
Site Administrator
Registered: 21st Apr 00
User status: Offline
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Liverpool Victoria don't do like for like mod replacement anyway. Their quoting is very weird... one time you'll get a quote, then phone back up and you'll find they won't do it...
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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Get another quote with someone else at Liverpool Victoria, I did and got totally different price!
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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They told me that they dont cover mods at all. They fix cars to standard and as such treat all cars modified or not as standard and so dont want to know about mods.
I'm worried that if anything hapens they will pull out the were not paying out u aint declared mods line, and i have no way to prove they said i dont need to declare them. I think i will ring again and speak to someone else see wat they say.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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well ask them to send it you in writing about you've mentioned mods, that way will have to pay out.
Also ask if its possible to cover your mods, that way will pay out for them, or come to an agreed value for the car!
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LoudandProud
Member
Registered: 12th Jan 01
Location: Stanway, Essex
User status: Offline
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Nope i rang them up for a quote on a 1.4 3dr clio, i have had my license 7 months, no ncb and they said 752 fully comp, i asked about mods and they siad the only mod they care about is if u change the engine, otherwise they dont even need to know! i thought fine by me 
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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yeah thats wat me dad said, get it in writing b4 paying them, but i'm tight 4 time now, need the policy soon.
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stuyw
Member
Registered: 15th May 02
Location: North West Drives: Rev3 MR2 Turbo
User status: Offline
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ah but if u claim, do they give u like for like? coz they won't know what mods u got if anything happens to ur motor 
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Phil321
Member
Registered: 10th Mar 01
Location: Manchester
User status: Offline
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there are far to many stories going around about l'pool victoria. personally i would pay a couple of hundred more safe in the knowledge that my insurance meant something. sure, from a legal perspective you're covered, but you've no idea what'll happen if you claim. they sound dodgy to me. i mean come on, since when did points not matter!!!!!!!
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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how can they be dodgey?
They are a huge company who dont just deal in insurance, my dad has been dealing with them for years for his clients!!
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WaNtEd_CoRsA
Member
Registered: 4th Mar 03
Location: Wakefield
User status: Offline
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2nd that how the hell can they be dodgey
thats right mate they sell dodgey premiums  u keep believing that p.s. go back to sleep
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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It does worry me. They seem to have no organisation, each time u ring up it's a diffo price and not caring about
MODS or POINTS
doesnt ring true to me.
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Phil321
Member
Registered: 10th Mar 01
Location: Manchester
User status: Offline
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Thats how they can be dodgy. Waiting for you to claim then not paying out, looking for loopholes etc. They seem to generate thier quotes at random. Agreed L'Pool Vic are a large company, but they are only acting on behalf of their underwriters. Anyone know much about the underwriters? No, me neither, ask on other boards, Scoobnet, MIG etc, the story is the same. No consistency whatsoever!
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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thats due to the people they employ, moneys the lot of them!!
If they have agreed to the premium no matter how low and you pay it, then your covered. If your unsure about mods and it doesnt mention it in their cover note or any other documents then you get it in writing.
That way no loopholes!
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WaNtEd_CoRsA
Member
Registered: 4th Mar 03
Location: Wakefield
User status: Offline
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i have been wi l'pool victoria since i was 17 im now 22 ive had no complaints toward them they are a good company some compaines can calculate quotes without needing to know certain points i.e mods
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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Im with them and have been for the last 6 months, never had problems with them sending out documents or anything. Even changed it insurance over to another car for a month or two and were happy to do it and were fine with it!!
Good stuff if you ask me!
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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Yeah i will go for it it's too cheap to miss, just have to make sure i get it in writing on the policy that they know about mods/points.
Thanks guys
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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they will be more than happy to give it you in writing Im sure!
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